Bank of Baroda UK Operations · 1 Version 1: March 2014 Bank of Baroda UK Operations General Terms...

1 Version 1: March 2014

Bank of Baroda

UK Operations

General Terms and Conditions


CONTENTS

1. Meaning of Words

2. Opening an Account

3. Joint Accounts

4. Cooling Off

5. Payment into your Account

6. Payment out of your Account

7. Cancelling or Changing Payment

8. Card Payments

9. Refunds for Payments (except payments made by cheque)

10. Cheques

11. Charges andInterest

12. Overdraft Services

13. Card Issue and PIN

14. Internet Banking

15. Changes to these General Conditions and the Specific Terms and Conditions

16, Inactive Accounts

17. General Liability

18. Our Right to Set-Off

19. Third Parties

20. Ending the Terms and Conditions or an Account

21. Death

22. Transferring Rights or Obligations under these Terms and Conditions

23. Confidentiality

24. Data Protection

25. Not Enforcing these Terms and Conditions

26. Law Applying to these Terms and Conditions

27. Complaints

28. Details about us and our Regulator


These General Terms and Conditions apply to our bank Accounts and some related services.

Please read it carefully and keep for future reference as it forms part of a legal contract between you

and us and sets out our respective obligations to each other.

A guide to how these Terms and Conditions are structured

These Terms and Conditions are divided into two Parts. The first Part sets out our “General Terms

and Conditions" which apply to any Account you hold with us or services provided. The second

Part sets out our “Specific Terms and Conditions” and contains Account specific information

which relates to the particular Accounts which you have with us or services which you use. You

should also check our Website for further terms and for our Schedule of Charges, which apply to

your dealings with us, as these also form part of our contract with you.

We can provide you with additional or up to date copies of these Terms and Conditions (and any other

documents which form part of the contract between you and us) upon request. These Terms and

Conditions are also available on our Website.

Part 1: General Terms and Conditions

1. Meaning of Words

In these Terms and Conditions, a number of words and phrases are printed in bold type

because they have a special meaning, which is explainedhere:

Account(s) means your Bank of Baroda accounts and services taken with us from

time to time;

Application Form means the application form that you need to fill in to apply to us

for an Account;

Authorised Signatory means the Account holder(s) in case of an individual Account

and a designated person or persons who are allowed to operate the Accounts on behalf

of a firm ororganisation;

Banking Hours means the hours your branch is open for business;

Base Rate means the base rate set by the Bank of England or any successor authority

that takes over responsibility for setting such a rate;

BIC or Swift code is an alphanumeric code of 8 or 11 characters used for making

international payments through the swift system;


Cut-off Time means the UK time within which a transaction or a request should be

made by you in order to be processed on the same Business Day. Cut-off Time

depends on the “cut-off” time for the particular method of making or receiving

payments. “Cut-off” time also depends on the currency in which the payment is to be

made or received for example “cut-off” time for making a Sterling payment is 3.00pm

and for Euro it is 12.00 pm. Instructions for payment in US Dollar can be given up to

4.00 pm. Also “cut off” time is different for each of our branches. You may contact

your Account maintaining branch for information on the Cut-off Time specific to

your branch;

EEA means the European Economic Area (members of the European Union plus

Norway, Iceland and Liechtenstein) and as updated from time to time by exiting or

joining of members;

Foreign Cheques mean cheques in a foreign currency or cheques in Sterling paid out

of an Account at a bank abroad (in countries other than in the UK, the Isle of Man,

Gibraltar or Channel Islands);

General Terms and Conditions means the general terms and conditions applying to

your Account and dealings with us and as set out in Part 1 of these Terms and

Conditions;

IBAN (International Bank Account Number) is a unique identification number issued

by us for a customer Account which has the bank branch identification along with the

Account number;

Our Base Rate means the Base Rate set by us be reference to the Base Rate and will

never be more than 1% above Base Rate. Details of Our Base Rate are available on

our Website and in our branches;

Schedule of Charges means the Schedule of Charges as amended from time to time in

accordance with the General Terms and Conditions;

Sort Code is a 6 digit identifier code used for making bank to bank payments within

the UK;

Specific Terms and Conditions means the specific terms and conditions which apply

to your Account in addition to the General Terms and Conditions and as set out in

Part 2 of these Terms and Conditions;

Standard Exchange Rate means a publicly available rate at which one currency is

converted into another currency. This rate is set by us daily or more frequently during

the day with reference to prevailing exchange rates in the market and can be obtained

by contacting any of our branches or by contacting our Treasury Department on

telephone number 0207 457 1540 or by visiting our Website;


Terms and Conditions means this document, consisting of Parts 1 & 2 and our

Application Form;

Transaction Time means the time taken for processing your payment request;

Website means our internet presence at www.bankofbarodauk.com;

Working Days means Monday to Friday except English public holidays;

"we", "us" and "our" means Bank of Baroda in the United Kingdom, further details

about us are set out in condition 25 below;

"you", "your" and "yourself" refers to each person who is named as the Account

holder and it refers to any company or other business entity which is an Account

holder.

If there is more than one of you then it refers to all of you individually and jointly. We

explain more about what this means for joint Account holders in condition 3 below.

If there is any inconsistency between the General Terms and Conditions and the Specific Terms

and Conditions then the Specific Terms and Conditions will prevail to the extent of the

inconsistency, as these contain the more tailored information relating to your Account.

2. Opening an Account

Accounts can be opened by individuals, partnership firms, companies, charitable

organisations, trusts or any other organisation formed within the legal framework.

2.1 You should read the Application Form carefully to ensure that you are eligible for

an Account. The information contained in the Application Form, including that

filled in by you, forms part of our contract. If you have any queries please contact

us on 0207 457 1515.

2.2 We require the following documents in order to open an Account:

(a) Current valid passport; or

armed forces identity card; or

full UK photo driving licence; and

(b) Address validation will need to be provided through a current utility bill


(gas/electricity/water/telephone) or current bank statements, these documents

must not be more than three months old. If you are unable to meet these

requirements,we may be able to accept other identification documents,Please

contact any of our branches to ascertain what other documents might be

acceptable.

We recommend that you do not post original documentation to us, as the postal

service is not secure. Instead please come into one of our branches with the required

identification documentation.

2.1 You can authorise another person to operate your Account. We will require you to

sign an appropriate mandate. In the case of a joint Account, all joint Account

holders must sign the mandate. When you authorise another person to operate your

Account, he/she must do so in accordance with these Terms and Conditions and

you will be responsible for their actions or omissions as if they were your own.

2.2 You can only use your Account for the purpose it has been opened for. If you have

opened a personal Account, you cannot use it to route transactions relating to your

business activity whether it is a sole trader or partnership, etc. You must not use it as

a charity, club, sole trader, company, partnership or other kind of business Account.

3. Joint Accounts

3.1 Wherever Account Specific Terms and Conditions allow, your Account may be

held jointly with other people. Joint Account holders are responsible jointly and

individually for complying with all of the Account Terms and Conditions,

including paying any money due to us. This means that if one of you breaks any of

the terms of agreement with us we can take action against any or all of you.

3.2 Any of the joint Account holders will be able to operate the Account if there are

cards issued on that Account. If there are no cards issued, then any of the joint

Account holders may operate the Account if all the Account holders confirm this

instruction in writing. Any of the joint Account holders may withdraw that authority

in writing.

3.3 We are entitled to accept the authority of any joint Account holder to give

instructions on behalf of all other Account holders relating to the Account until it is


cancelled by any such other joint Account holders, or treated by us as cancelled as

described in condition 20 or by operation of law.

3.4 If any of the joint Account holders tells us of a dispute between any of you, or

instruct us that we may only accept instructions from all of you acting together, we

may treat this as a cancellation of authority to operate the Account and any further

payments or withdrawals will need the authority of all joint Account holders and use

of additional services such as debit and or credit cards, telephone or internet banking

may be suspended. In addition we may ask for the return of debit/credit cards.

3.5 If one of you dies, the survivor(s) will be asked to complete a new mandate and

subject to any rights that we or a third party may have, any money in the Account

will be available to the survivor(s).

3.6 We will send the Account statements to the first named Account holder. If any

other joint Account holder requires a statement please contact us and we will

provide a statement free of charge. Please also refer to condition 4.4 below for more

details aboutstatements.

4. Cooling off

4.1 You have 14 days within which to cancel your Account. This cancellation period

begins on the later of the following two dates:

1. The date your Account is opened; and

2. The first date on which you have received the copies of:

These Termsand Conditions; and

Schedule of Charges; and

And any other documents containing contractual terms relating to

your Account.

4.2 To cancel your Account, you must send a written notice to the branch where your

Account is kept.

4.3 If you cancel your Account, we will return all the money in your Account and any

interest it has earned to you and we will not impose any extra charges. If, at your


request, we have supplied you with any services before you cancel your Account,

you will have to pay our charges for supplying those services.

4.4 Contact details and giving instructions

4.4.1 Our contact details are in the contact details condition 28 at the end of this

document.

4.4.2 You can contact us and give us instructions which can be in writing (which

must include your signature(s), by cash machine or any other means we tell

you are available. You authorise us to accept and act on these instructions,

even if carrying out those instructions creates a debt on your Account.

4.4.3 Where the instructions are not in writing, we are entitled to accept and act on

them, if they have been confirmed by use of our security procedures.

We may refuse to act on your instructions if;

we reasonably believe that you did not give instructions; or

your instructions are unclear, incomplete or not in required form; or

we reasonably suspect fraudulent activity;or

acting reasonably it appears to us contrary to any applicable law,

regulation, code or other duties which apply to us;or

it would cause you to exceed any limit or restriction which applies to

your Account (such as daily cash withdrawal limit on debit/credit

cards).

4.4.4 We will contact you using the contact details you give us. You must tell us if

your name or contact details change. If you do not tell us, we will go on using

the details you last gave us, and we will not be responsible if we fail to

contact you or if we send confidential information to the wrong address using

these out of date details. We may charge you our reasonable costs of finding

you or trying to find you, if your contact details are not up to date.

4.4.5 Security

4.4.5.1 In order to protect your Account against misuse, youmust:

Keep your PIN and your other security details secret; and

tell us immediately if you think someone else may know any of


your security details; and

act with reasonable care, including taking reasonable steps to

prevent unauthorised use of your security details; and

take the steps described in condition 13.7 if you have debit

card.

4.4.5.2 You will be responsible for all losses caused by;

any fraudulent activity on your part; and

any person acting with your authority

General condition 13 sets out your responsibility for losses

caused by misuse of a debitcard.

4.4.6 Statements

Where there are operations during the statement period,we will generate

and post the statements of Current Accounts and Savings Bank Accounts on

a monthly basis and in case of Deposit at Notice Accounts,these will be

generated and posted on half yearly basis unless you have asked us to

provide you with statements at more frequent intervals or have asked us to

provide you these by any other means for example by encrypted email. We

will not send you bank statements where you have subscribed to our Internet

Banking Services, unless you have specifically asked us to send you paper

statement as well.

If there is no movement on the Accounts, statements will be generated and

posted to you or provided to you by any other means (for example by

encrypted email etc ) you have selected, once a year. We will not send you

bank statements where you have subscribed to our Internet Banking Services,

For security reasons, we will not send the statements of Accounts for

those Accounts classified as “inactive” or “dormant” as per condition 16

of these General Termsand Conditions.

4.4.6.1 You can ask us to send you a copy of a paper statement we have

already provided to you but we will make a reasonable charge for

this, as set out in our Schedule ofCharges.


4.4.6.2 Statements will include details relating to the amount and date of the

transaction, the information of the payee/payer, any exchange rate

applicable, breakdown of charges payable and the date on which the

funds were debited or credited to your Account.

4.4.6.3 You are responsible for checking the statements or other Account

information we provide. If you inform us about any error on your

Account or if we notice any errors, we will correct them as soon as

reasonablypossible.

4.4.7 Opening and processing times of payments

4.4.7.1 If the payment instruction is not received by the Cut-off Time we

will treat it as being received the next Working Day.

4.4.7.2 You can ask us for further information about the relevant Cut-off

Times.

4.4.7.3 We may refuse to accept a payment into an Account or make a

payment from it if we reasonably believe that doing so might cause

us to breach a legal requirement or might expose us to action from

any government or regulator.

5. Payment into your Account

5.1 Cash

5.1.1 When cash is deposited over the counter at any of our UK branches, we will

credit your Account immediately and allow you to use it straight away.

Where you have an interest bearing Account we will pay interest on it or in

the case of an overdrawn Account use it to reduce the interest you pay from

that day.

5.1.2 Cash is deposited on a non working day(for example on Saturday) will be

credited to your account on next working day. Where you have an interest

bearing Account we will pay interest on it or in the case of an overdrawn

Account use it to reduce the interest you pay from that day.

5.1.3 Where necessary, we may also ask you for the source of the funds deposited

in order that we can be satisfied as to the legality of the funds so deposited/to

be deposited.


5.1.4 When the bank is opened on non working day, you will normally not be

allowed to pay cash in excess of £5,000.

5.2 Cheques

5.2.1 Sterling cheques from another bank in the UK (personal accounts)

1. When you deposit a Sterling cheque/s from another bank in the UK

(paying bank) into your personal Account with us and provided this is

done before the Cut-off Time on any working day:

we will credit the cheque on the same day that we receive it;

from the second Working Day after we receive it, where the

Account is interest bearing, we will pay interest on it or in the

case of an overdrawn Account use it to reduce the interest you

pay from that day;

from the sixth Working Day after we have received the funds,

the funds are available for you to use; and

from the end of the sixth Working Day, the value of the cheque

will be cleared funds which means that the funds cannot be

reclaimed from you as a result of the cheque being returned

unpaid (unless you have acted fraudulently).

For example, and using Working Days, if you pay in a cheque in your

savings Account on Monday before the Cut-off Time (day 0), you

will start receiving interest on the money from Wednesday (+2 days)

and by Tuesday morning (+ 6 days), you will be able to withdraw the

money from the cheque from your Account even though the cheque

could still bounce. By the end of following Tuesday (+6 days), you can

be certain that the cheque that you paid in on Monday will not bounce.

2. If you withdraw some or the entire amount of a cheque which is later

returned unpaid and this withdrawal or the unpaid cheque causes your

Account to go overdrawn, or over an agreed overdraft limit, this will

be considered an informal request to allow temporary overdraft.

3. Even though we may let you withdraw against the cheque, this does

not mean it has been cleared. If it is subsequently returned unpaid we

will, subject to condition 5.2.1.1 bullet point 4 above debit the amount

of that cheque to your Account plus returning charges and in case of

overdraft, applicable interest will be charged.


5.2.2 Sterling cheques from another bank in the UK (business current

accounts)

When you deposit a Sterling cheque/s from another bank in the UK (paying

bank) into your business current Account with us and provided this is done

before the Cut-off Time on any working day:

we will credit the cheque on the same day that we receiveit;

from the second Working Day after we receive it, where the Account

is interest bearing, we will pay interest on it or in the case of an

overdrawn Account use it to reduce the interest you pay from that day;

from the fourth Working Day after we have received the funds, the

funds are available for you to use; and

from the end of the sixth Working Day, the value of the cheque will

be cleared funds which means that the funds cannot be reclaimed from

you as a result of the cheque being returned unpaid (unless you have

acted fraudulently).

5.2.2.1 Foreign cheques

1. If you want us to obtain payment for you of a foreign cheque,

you must "endorse" the cheque by signing your name on the

back. Your signature must match the way your name appears

on the front of the cheque. If the cheque is payable to more

than one person, each of you must sign the back of the

cheque.

2. If you wish to pay a foreign cheque into your Account, the

processing times for dealing with UK cheques do not apply

and we may choose to "negotiate" it or "collect" it:

3. If we negotiate the cheque, we will buy it from you by paying

you the amount of the cheque or the Sterling equivalent on the

Working Day after we receive it. We will then get payment

from the payingbank.

4. If we collect the cheque, we send it on your behalf to the

paying bank. We may use an agent to do this. We will pay

the amount of the cheque or the Sterling equivalent into your

Account on the day we get payment from the paying bank.


The time this takes will vary depending on the paying bank or

its country. You can ask us for details.

5. The exchange rate we use when converting a foreign cheque

into Sterling will be our Standard Exchange Rate. You

can find out the Standard Exchange Rates by contacting

your branch or by contacting our Treasury Department on

telephone number 0207 4571540.

6. If the foreign bank later returns the cheque or asks for the

money to be returned, we will take the currency or the

Sterling equivalent from your Account. If we converted the

cheque into Sterling, we will change it back into the foreign

currency using our Standard Exchange Rate. We will do

this even if you have already spent the money or it will put

you into overdraft.

7. This normally means we take a larger amount from your

Account than we originally paid in. The Standard Exchange

Rate may also have worsened between our paying the money

in and taking it out.

8. We will take our charges for dealingwith foreign cheques, and

any charges by the foreign bank, including any charges

resulting from the foreign bank returning the cheque unpaid

or asking for the money to be returned, from the Account

you told us to pay the cheque into. For further details please

see our Schedule of Charges.

9. Occasionally it is not possible to obtain payment of foreign

cheques because of local foreign exchange or other

restrictions.

10. If we have any costs or other obligations as a result of

negotiating or collecting a foreign cheque, you must

reimburse us and take any other reasonable steps to cover our

direct losses needed to put us in the position we would have

been in had we not attempted to negotiate or collect the

cheque.

5.2.3 Payments into your Account (other than cash and cheque payments)


5.2.3.1 These include payments that are not made by cash or cheque, such as

standing orders and direct transfers from another Account.

5.2.3.2 When we receive a payment for your Account in Sterling, we will

credit it to your Account and allow you to use it straight away. We

will pay interest on it, where applicable (or use it to reduce the

interest you pay) from the date of receipt.

5.2.4 International payments into your Account

5.2.4.1 When we receive a payment for your Account in a foreign currency,

we will convert it into Sterling before we pay it into your Account.

If the payment is in Euro (or another currency from the EEA), we

will credit it to your Account and make it available for you to use

straightaway and pay interest on it, where applicable, (or use it to

reduce the interest you pay) from the same Working Day. For all

other currencies, the time it takes us to convert the payment into

Sterling takes longer so it will be added to your Account up to two

Working Days after we receive it.

5.2.4.2 We will use our Standard Exchange Rate for buying the relevant

currency that applies on the day we receive the payment.

5.2.4.3 We may take our charges for dealing with the international payment

before we add it to your Account but if we do so we will tell you the

full amount of the payment and the charges that applied.

5.2.4.4 If a payment is fraudulently or mistakenly paid into your Account,

the amount of such payment may be subsequently removed from

your Account. This may be the case even if you have used all or part

of the money. If deduction of payment from your Account would

either make your Account to go overdrawn or over an agreed

overdraft limit, this will be considered as an informal request to

allow a temporaryoverdraft.

6. Payments out of your Account

6.1 We will make payments out of your Account if;

There is available money in your Account, either in cleared funds or an

agreed overdraft limit.


You have signed a cheque or other document containing payment

instructions.

You authorise us to make the payment using security details (for example a

card and Pin at the cash machine or at point of sale) as long as any relevant

security checks have been completed byus.

6.1 Cash withdrawals at the counter are allowed up to a reasonable amount in cash or by

transfer to any Account held with us. We are committed to preventing monies from

being used for the purpose of money laundering and for the sake of good order; a

limit of £5,000 has been placed for cash withdrawal where it is a personal Account

and £10,000 for a business Account unless larger withdrawal in cash is justified by

necessity. No more than £2000 is allowed to be withdrawn from branches that are

open on non working day.

6.2 We may consider any due payments made, agreed or authorised from your Account

regardless of whether or not they have yet been deducted.

6.3 When you give us a payment instruction (other than by cheque), you must give us

the Sort Code and Account number for payments in the UK, or the equivalent

information for payments outside the UK and any other details we ask you for such

as the name of the person you are sending the payment to, so we can make the

payment.

6.4 You are responsible for checking the details are correct. We will not be liable if your

payment is delayed or sent to the wrong person because you gave us the wrong

details. If a payment does go to the wrong person because you gave us the wrong

details, we will use reasonable efforts to recover the payment and, if we manage to

do so, we may charge you our reasonable costs.

6.5 If you ask us to make a payment on a future date, we will make the payment that

day. If the payment falls due on a non-Working Day we will make the payment on

the next Working Day.


6.6 If you ask us to cancel a payment instruction, we may charge you our reasonable

costs for trying to cancel it, whether or not we succeed. Our fees are set out in our

Schedule of Charges.

6.7 You will not be able to give a payment instruction using a card if we have stopped,

or suspended, you from using them. We can do this if we reasonably consider it

necessary for reasons relating to:

the security of a card; or

suspected unauthorised or fraudulent use of a card or your Security Details;

or

a significantly increased risk that you may be unable to pay any money you

owe us on the relevant Account. Unless the law prevents us from doing so

or we believe it would undermine our security measures, we will try to

contact you by telephone or in writing in advance to tell you that we have

done this and our reason for doing so. If we are unable to tell you in

advance, we will tell you as soon as possible afterwards. As cards belong to

us, we (or a person acting for us, for example a retailer), may take or retain a

card on our behalf if we stop or suspend your right to use it. If we stop or

suspend a card you must then stop using the card and the card number.

6.8 We may refuse to carry out a payment instruction if:

you do not have available funds to make the payment or you have exceeded

a limit we have applied to your Account or card (such as the daily limit for

withdrawals from cash machines);

the payment instruction is not clear or you have not provided us with the

correct details;

there is a legal requirement or a court or other competent authority tells us to;

the payment seems unusual compared with the way you normally use your

Account;

we reasonably believe you or someone else has used or is using or obtaining,

or may use or obtain a service or money illegally or fraudulently;

we reasonably believe that someone else may have rights over money in

your Account (in this case we can also ask (or require you to ask) a court

what to do, or do anything else we reasonably need to do to protect us); or


any other reason set out separately in these Terms and Conditions applies.

6.9 If we prevent you from using your Account or card or refuse to make a payment

under this condition, we will act in a manner we think is reasonably appropriate for

the circumstances and try to reduce the inconvenience to you.

6.10 Unless the law prevents us from doing so, we will try to contact you to tell you that

we are refusing to act on your payment instruction. We will do this at the earliest

opportunity but in any case by the time the payment should have reached the bank

you asked us to make the payment to. If you are using a card to make a payment,

the retailer will tell you that the payment has been refused.

6.11 You can also contact us to find out (unless the law prevents us from telling you) why

we have refused to act on your payment instruction and how you can correct any

factual errors that led to our refusal.

6.12 We are not responsible if a retailer or another bank or its cash machine or other

machine) does not accept your card or card number as this is outside our control.

6.13 Payments (other than payments by card and cheque) out of your Account

6.14.1 Timescale for makingpayment

If you ask us to make an immediate payment or a future dated payment

(including standing order) to an Account with another bank in the UK, the

following applies:

If you ask us on a Working Day to make payment to an Account

with any of our branches within UK, it will reach that branch straight

away.

Where you require a Sterling payment (within UK) to reach the

recipient on the same Working Day, you can ask us to make payment

by CHAPS (provided we receive the request before the Cut-off

Time). There is a charge for this service (please refer to our Schedule

of Charges) Otherwise the payment will reach the recipient’s bank

no later than the business day after the payment instruction is received

by us.


6.14 International payments out of your Account

6.14.1 If you ask us to make a payment to a person with an Account at a bank in

the EEA, other than in the UK, and the payment is in Euro, the payment will

reach the other bank no later than next working Days after we received the

payment instruction.

6.14.2 For payments in other EEA currencies to countries within the EEA, the

payment will reach the other bank no later than next working Day after we

received your payment instruction. The bank receiving the payment from us

is required by law to pay it into its customer's Account on the dayit receives

the payment from us.

6.14.3 If you ask us to make a payment to a person in another currency or with an

Account at a bank outside the EEA, we will give you an indication of the

date on which the payment is likely to be received by that bank. This does

not mean that the recipient will receive the payment on the same day. This

will depend on the banking practice of the country concerned.

6.14.4 We will use our Standard Exchange Rate for selling the relevant currency

unless we tell you a different rate applies when you ask us to make the

payment. If you make a Sterling payment, we cannot control the exchange

rate applied by the foreignbank.

6.14.5 When you ask us to make international payments, these may be subject to

charges. Please refer to our Schedule of Charges for further details.

6.14.6 In making an international payment we are acting for you as your agent.

You will have to comply with any relevant local laws and you agree to hold

us harmless against all obligations and responsibilities we incur as a result

of acting for you.

6.14.7 There may be delay in carrying out the payment instructions, while

monitoring and/or fraud prevention checks takes place, as required by law.


6.15 Direct debits

6.16.1 If you give a business or other organisation (in the UK) authority to collect

payments from your Account on a regular basis, they will normally tell you

at least 10 Working Days before changing the payment dates or amount of

money they ask us to pay from your Account, unless you agree otherwise.

6.16.2 We allow direct debit payments to be collected from your Account on the

date specified in the direct debit instruction.

6.16.3 If you think there has been an incorrect direct debit payment you should tell

us immediately so that we can arrange a full and immediate refund - even if

the original error was made by the business or organisation who set it up.

You should also contact them to let them know what you have done and

why.

7. Cancelling or changing payment

7.1 If you ask us to make a payment immediately, we cannot change or cancel the

payment instruction because we start processing it when we receiveit.

7.2 You can cancel a standing order and any other payment which you asked us to make

on a future date as long as you write, telephone or fax the instructions to your branch

by the end of the last Working Day before the payment is due to be made. You will

need to quote the name of the party to whom the payment is being made, the amount

and the date when the payment is due.

7.3 If you telephone your branch with the details, you must confirm your

instructions immediately in writing. You must also tell the person or

organisation that collects the payments that you have cancelled the mandate.

7.4 If you wish to cancel or change a direct debit, as well as telling us, you must tell

the business or organisation to make sure the payment is cancelled.

8. Card payments


8.1 If you use your card to withdraw cash or to make a payment, we will take the amount

withdrawn, or paid, from your Account on the Working Day we receive details of the

withdrawal or payment.

8.2 If you use your card for a cash withdrawal or to make a payment in a currency other

than Sterling, we will convert the amount withdrawn, or paid, into Sterling on the day it

is processed by the international payment organisation (for example, Visa) whose name

or marks appear on the card.

8.3 The exchange rate we use is the rate set by the international payment organisation. A

charge of 1% is usually made by international payment organisation; an additional

charge of 2% of the transaction value is added by us. You can find out the current

exchange rate used by calling us on 0207 4481555.

8.4 However, if you use your card to withdraw Euro from a cash machine in the UK, you

will be dealing with the bank operating the machine (rather than us) for the conversion

into Euro. That bank will set the exchange rate and may charge you for the conversion.

8.5 We cannot cancel a payment made using a card once you have given your consent to

make the payment to a retailer. You will need to contact the retailer separately. This

includes payments made on a regular basis from your card Account, such as magazine

subscriptions. You will also need to tell the retailer if your Account is closed or your

card number changes otherwise they may not be able to collect your payments.

8.6 If a retailer agrees to give a refund for a purchase made using a card payment, we will

make the refund when we receive details of it from the retailer.

9. Refunds for payments (except payments made by cheque)

9.1 We will refund the amount of a payment (except those made by cheque) and any

charges or interest you paid as a result of it, and pay you any interest we would have

paid you on that amount, if:


9.1.1 you asked us to make the payment to an Account at another bank and the

payment was not made properly or never arrived, unless there was a mistake

in any of the details contained in the payment instruction you gave us or we

can show that the payment was received by the other person's bank (in this

case, that bank is required by law to make the payment immediately to that

person); or

9.1.2 you tell us that a payment out of your Account was unauthorised and,

having investigated it, we are reasonably satisfied that the payment was not

authorised and that you are not liable (condition 17 has more informationon

liability).

9.1.3 However, we will not refund the payment if you tell us the payment was not

made properly or was unauthorised more than 13 months after it was made.

9.2 Where you have used your card to make a payment, you can ask us to refund the

payment if the following conditions are satisfied:

9.2.1 the payment was made to a retailer in the EEA;

9.2.2 the authorisation you gave did not specify the exact amount to be paid;

9.2.3 the amount that has been requested was more than you could reasonably

have expected to pay based on the circumstances, including your previous

spending patterns; and

9.2.4 you request a refund within eight weeks of the date the payment was made

from your Account.

9.2.5 We may ask you to provide information which is reasonably necessary to

investigate whether or not you are entitled to the refund. In addition, you

may also find it helpful to contact the person you paid using the card.

Within 10 Working Days of receiving your request (or of receiving any

further information we have asked for), we will either refund the payment

or we will inform you of our reasons for refusing the refund.

9.2.6 If you query the payment more than eight weeks after it was taken from

your Account or the payment was made to a retailer outside the EEA, we

are not obliged to make a refund but we will tell you if we can help or

suggest other steps you could take.

9.2.7 You will be liable up to a maximum of £50 for any losses incurred in

respect of unauthorised payments from your Account arising:

from the use of a lost or stolen card, cheque or security details; or

where you have failed to keep your security details safe.


9.2.8 The £50 limit does not apply, and you will be responsible for all losses

incurred in respect of unauthorised payments from your Account:

where you have acted fraudulently; or

relating to a credit balance where you have failed, intentionally or

without care, to comply with any term of our agreement with you

relating to the issue or use of a card, cheque or security details; or

losses arising from the creation or misuse of an overdraft on your

Account caused by the misuse of your card by someone who

obtained it with your consent; or

losses where you have authorised another person to use your

Account.

9.2.9 You will not be liable for any losses arising from the unauthorised use of a

card or security details (except where you have acted fraudulently):

after you have notified us in accordance with General Condition

13.7.2; or

where we have not, at any time, provided you with the appropriate

means to notify us in accordance with General Condition 13.7.2; or

where they have been used to make a payment for goods or services

(except for financial services contracts) where the user of the card or

security details does not need to be present, for example over the

telephone or internet, provided that you notify us of such unauthorised

use without undue delay on becoming aware of the misuse; or for

losses incurred before you have received the card, cheque book or

security details.

10. Cheques

10.1 While writing a cheque, you must take all reasonable precautions to prevent any

subsequent alteration or forgery by someone else (for example by crossing through

any space left on the amount payable).

10.2 Cheques are valid for 6 months or as indicated on the cheque only from the date of

issue.

10.3 When you draw a cheque on your Account, we may decide not to pay it if:

10.3.1 you do not have sufficient money available in your Account at the time of

presentation of the cheque on the day the payment is requested or payment


of the cheque would cause your Account to exceed an agreed overdraft

limit: or

10.3.2 the cheque contains a technical irregularity (for example it is more than six

month old or there is a difference between the amounts in words and

figures);or

10.3.3 we reasonably suspect the payment to be fraudulent as part of our

monitoring for fraud prevention purpose.

10.4 Stopping payment of cheques

10.4.1 In case a cheque has been issued, which is not required to be paid, you can

inform the branch on which the cheque is drawn, quoting your Account

number and giving details of the cheque issued, the cheque number, date,

amount and beneficiary with instructions not to pay the cheque provided:

the amount has not already been deducted from your Account

we have not told the payee or their bank that it willbe paid

in cases where the initial communication is by telephone/ fax, a letter

in writing confirming the telephone call/fax message should

immediately follow. The branch will stop payment of the cheque

provided it has not been paid prior to your contacting them.

10.5 Other conditions

10.5.1 You must not draw cheques before the necessary cleared funds have been

credited to the Account. If cheques are presented when there are insufficient

clear funds to meet them, payment may be refused and the cheques returned.

Repeated disregard of these instructions will result in closure of your

Account.

10.5.2 Cheques and Direct Debits received without adequate balance in the

Account or without prior arrangement will be returned unpaid and the

returning charges will be recovered as per our Schedule of Charges.

Standing orders not executed due toinsufficient balance will also be subject

to service charges, as set out in our Schedule ofCharges.

10.5.3 Generally you will not be allowed to overdraw the Account in absence of

previous arrangement made with us. However, if you ask us to make

payment out of your Account either by cheque, card or other payment

instruction when you do not have available money in your Account or


which would cause your Account to be overdrawn without agreement, we

will consider this to be an informal request for temporary overdraft. It is

within our discretion whether to accept it or pay it. If we pay it and allow an

unplanned overdraft, this will not mean that your formal overdraft limit, if

you have one, has changed, nor that we are obliged to make any other

payment which would have similar effect.

10.5.4 Any Cheque Book and/or Debit or Credit Card issued to you, remains our

property and is required to be kept at a safe place by you to prevent any

unauthorised use. In case of loss of Cheque Book/Debit or Credit Card, the

fact should be immediately brought to our attention and if stolen this must

also be immediately reported to thepolice.

10.5.5 If you make a payment from an Account without giving the notice required

for that Account, we may make a charge or reduce the interest payable on

the Account as detailed in our Schedule of Charges and Account Specific

Conditions.

10.5.6 Unless we agree otherwise, when you give us an instruction to make a

payment we will decide how the payment will be sent.

11. Charges andinterest.

11.1 When you open an Account we will give you our Schedule of Charges, which

forms a part of these Terms and Conditions. This includes the details of our service

charges. You can also find out about these charges on our Website or asking our

staff at our branches.

11.2 Interest on interest bearing Accounts such as Deposit Accounts and Savings Bank

Accounts is calculated on available cleared credit balance on the Account.

11.3 Calculation of interest on Sterling balances is based on a 365 days to a year basis

whereas for US Dollar and Euro deposits it is on a 360 days to ayear basis.

11.4 Interest is calculated on daily cleared balance basis and applied twice in a year on

our Savings and Notice Deposit Accounts on the first Working Day of June and

December each year.


We will deduct tax at source if applicable under prevailing legislations, unless you

have registered to receive gross interest in which case you will not have income tax

deducted from interest payment. If you have registered to receive gross interest part

way through the tax year, then your interest payment calculation will have been

adjusted accordingly.

Information about Interest and Taxation

Everyone who lives in the United Kingdom* (UK) is allowed to earn or receive some

income before tax has to be paid. If you need specific advice regarding your tax

position or are unsure of your tax status, please contact your tax adviser or your local

tax office and they will advise you. Alternatively, you can visit the HM Revenue &

Customs (HMRC) website www.hmrc.gov.uk.

*For tax purposes, the Channel Islands and the Isle of Man are not in the UK.

If you're a taxpayer

We will deduct tax at 20% from any interest we pay on your interest bearing

accounts with us with the exception of tax exempt savings accounts, such as ISAs or

Child Trust Funds.

If you're a non-taxpayer

If your income is below your personal allowance limit and you have money in a bank

or building society account which earns interest, you may be paying tax when you

don't have to, and are likely to be eligible to receive your interest gross without any

deduction of tax. If this is the case, an R85 form

(http://www.hmrc.gov.uk/forms/r85.pdf) should be completed, signed and returned to

your local branch. The R85 form is only applicable for U.K. residents who are

eligible to receive interest paid on a gross basis.

Please note: A separate R85 form is required in respect of each account you hold and

in the case of joint accounts, a separate R85 form is also required for each account

holder. We will not be able to pay interest without deduction of tax unless all the

parties to a joint account signs R85.

If you're a non-tax payer and live outside the UK we will pay gross interest on your

account provided you have completed and signed formR105

Children'saccounts

An R85 form must be completed if the account is held in a child's name and he/she is

a non-tax payer. If the child is under 16, the form must be completed and signed by

the parent or guardian. When the child reaches the age of 16, a new R85 form must

http://www.hmrc.gov.uk/

http://www.hmrc.gov.uk/forms/r85.pdf)


be completed, signed by the child (account holder) and returned to your local branch.

The month following the child's 16th birthday we will automatically cancel any

previous R85registration.

There are special rules if a parent has given savings to their child. Where gifts from a

parent will earn more than £100 gross income a year, the whole of the income from

the gifts is taxed as the parent's income. A child cannot claim back any tax on that

income. Nor can interest be paid without tax taken off.

The £100 rule applies to young people until they reach 18 or marry (whichever

comes first).

The £100 rule applies separately to each parent. It does not apply to gifts given by

grandparents, other relativesor friends.

If your tax status has changed

You may already have registered an R85 form but have found your tax status has

changed and you now pay tax. In this case, you must cancel your registration and tax

will be calculated from the date interest was last paid to you.

To find out which rate applies to you (or to an account you look after for someone

else), please visit the HMRC website

If you're a basic rate taxpayer (20%)

If you're a basic rate taxpayer you don't need to take any action. Banks are required

to deduct tax at a rate of 20% from interest paid or credited to investors.

If you're a higher rate taxpayer (40%)

If you're a higher rate taxpayer you must let HMRC know how much interest you

have received so that they can collect the extra tax due directly from you.

If you're eligible for 10% tax on savings

If your non savings income is less than your personal allowance you may qualify for

the 10% savings tax rate, we will still pay your interest net of tax (with income tax

taken off - currently 20%). If you think that this may apply to you, you should

complete HMRC form R40, available on HMRC website or your taxoffice.

How to claim back tax

If you think you've paid too much tax on your interest you can claim it back directly

from HMRC. To do this you'll need to fill in a R40 Tax Repayment Form you’ll

have to do this for each year you think you paid too much tax. In most cases you

should be able to get back the tax you've overpaid providing you make your claim on

time.


If you have a tax office you should contact them and tell them you believe you can

claim back some tax. They will tell you what you need to do.

If you don't have a tax office, you should complete form R40 Tax Repayment

For further details please visit the HMRC website for a copy of the R40 help sheet

http://search2.hmrc.gov.uk/kb5/hmrc/forms/view.page?formid=818&record=pf-

A5D0R72E

http://www.hmrc.gov.uk/incometax/tax-free-interest.htm

Certificate of Tax Deduction:

A Section 975 tax certificate is a written statement showing the interest earned and

tax paid on anaccount.

In most cases the HM Revenue & Customs no longer require individuals to submit

a written tax certificate. The information required can be obtained from the statement

of account which you receive from us or if you have subscribed to our Internet

Banking Services,you can view this by logging into your account.

If you require physical, you can call or visit a branch to request t a Section 975

Certificate.

11.5 Debit interest is calculated daily on true debit balance on the Account and applied

monthly on the 25th of every month. If the 25th is non Working Day, then it will be

applied on the following Working Day.

11.6 We may vary the rate of interest from time to time but will notify you in accordance

with condition 15.

11.7 We reserve the right to apply a tariff, debit, interest, fees and other charges in

relation to your use of and our administration of, the Account and for any service

provided by the us in accordance with the rate applicable at the date of opening the

Account or as varied or introduced by us from time to time in accordance with these

Terms and Conditions.

http://search2.hmrc.gov.uk/kb5/hmrc/forms/view.page?formid=818&amp%3Brecord=pf-

http://www.hmrc.gov.uk/incometax/tax-free-interest.htm


11.8 If we introduce a new fee or charge or if any existing tariff is to be increased we will

give you notice in accordance with condition 15.

11.9 The charges will be debited to the Account on the last Working Day of each quarter

(March, June, September and December) or at different times agreed by us and

notified to you with two months’ notice.

12. Overdraft Services

12.1 Availability

12.1.1 Please contact us to arrange an overdraft. If you require an overdraft or an

increase to a formal overdraft, it is in your interests to contact us to discuss

your borrowing requirements as it will be cheaper for you to have a formal

overdraft rather than make several requests for an unplanned overdraft. If

we agree to your request we will advise you of your formal overdraft limit

and confirm the terms of your overdraft in writing.

12.1.2 If you seek to make a payment or withdrawal from your Account which

would cause you to become overdrawn and there is no formal overdraft

limit in place or the payment or withdrawal would cause you to exceed a

formal overdraft limit, this will be treated as a request for an unplanned

overdraft. It is within our discretion whether to accept and pay it. If we pay

it and allow an unplanned overdraft, this will not mean that your formal

overdraft limit, if you have one, has changed, nor that we are bound to make

any other payment which would have similar effect.

12.1.3 If you use unplanned overdraft services, especially on a frequent basis, it

can be a cause for concern to us regarding your business or personal ability

to meet your commitments and we may terminate your Account with us in

accordance with condition 20.3.2.2.

12.1.4 It is your responsibility to make sure you have available funds in your

Account to cover any payments you have requested. If we do not agree to

your request for an unplanned overdraft, or to an increase in your formal

overdraft limit, the payment will not be made and we will charge you an

unpaid item fee as set out in our Schedule of Charges.


12.1.5 Where we agree to make any payment you have requested under condition

12.1.2, you agree to immediately pay into your Account enough money to

bring your Account into credit or within any agreed overdraft limit.

12.1.6 We may at any time amend any formal overdraft limit on your Account,

subject to giving you notice. Where you have an overdraft which is

repayable on demand we may not give you notice.

12.1.7 You agree to repay all amounts owed to us at the end of any formal overdraft

term or immediately on our written demand. Any written demand will be

sent by first class post to the address you last notified to us and will be

treated as having been received by you 2 days after posting. We will

normally give you a due notice that your overdraft must be repaid or its

limit reduced, but we may ask for repayment or reduction immediately, if

your overdraft is repayable on demand. Until repayment, you will continue

to pay interest and charges both before and after any court order in our

favour forrepayment.

12.1.8 Interest on an overdraft is calculated on the cleared balance each day and

debited on the 25th of each month or the nearest Working Day after; or on

the appropriate charging day, if charged quarterly or at different times

agreed by us.

12.1.9 The charges for our overdraft services may be varied under condition 15

and are explained and set out in our Schedule of Charges which forms part

of these Termsand Conditions.

12.1.10 You are responsible for any money you owe us, whether this is as a result of

your own actions or of someone authorised byyou.

12.1.11 Once we have agreed to provide you with a formal overdraft you have a

right to cancel it within 14 days. If you wish to do so please write to us.

If you decide to cancel you must immediately repay us the full amount you

owe us including any interest or charges.

12.1.12 If you do not cancel, you are still free to end your overdraft at any time by

repaying all amounts owed to us including any interest and charges.

12.2 Security

12.2.1 When we arrange an overdraft limit, we will provide you with details of any

existing security we hold for the overdraft and any new security we require.


These will be detailed in offer letter that we send you.

12.2.2 We will not be obliged to make the overdraft available until any security we

require has been completed to our satisfaction. We will require all the

security to be granted in our preferred form.

13. Card issue and PIN

13.1 We will issue you and to all Account signatories nominated by you (“cardholders”),

upon request, with an Electron or debit card/Credit Card, normally within four weeks

from the date of request, to be used as a part of your Account, in accordance with

following conditions:

13.1.1 we will provide you with a PIN (Personal Identification Number) which you

can use with your card to:

withdraw cash from a cashdispenser

purchase goods or services from a retailer or other supplier who will

usually ask you to input your PIN into a screened key pad, instead of

asking you for yoursignature.

13.1.2 You authorise us to deduct from your Account, the amount of any payment

carried out by use of your card, with or without using the PIN, or card

details, whether or not you have given or authorised such instructions.

13.1.3 You must not use your card after the end of the month it expires, nor after

we have asked you to return it to us or told you it is cancelled or that its use

is suspended or your Account is terminated.

13.1.4 You will be responsible for all losses from use of your card and/or PIN if

you have acted without reasonable care, including not complying with

condition 13.7 or you have acted fraudulently.

13.1.5 We may ask you to return your card to us or suspend its use at any time but

we will normally give you prior notice, unless we have a reason fornot


doing so. For example, we consider your card or Account has been or is

likely to be misused. We may deduct from your Account any card payment

(and any charges) made by you, but not paid by us until the card is returned

or its use suspended.

13.1.6 You may use your card to pay for goods and services through a number of

different channels, for example the internet, telephone, television or mail

order. You must not disclose your PIN to anyone.

13.1.7 We will not be responsible if a retailer or other supplier refuses to accept

your card or if you cannot use your card to make a payment.

13.1.8 You cannot stop a card payment. You may get a refund from the retailer.

We will only credit the Account with a refund if we receive instructions or

a refund voucher from a retailer acceptable to us.

13.1.9 We may refuse to make or authorise a card payment arising from an

unplanned request for our overdraft services in accordance with condition

12.1.2.

13.1.10 We may refuse to authorise a payment if we consider that your card or

Account has been or is likely to be misused, or for fraud prevention. For

decision making and card misuse purposes we may refer an authorisation

request back to the retailer or supplier for further information. This may

require you to provide further identification. This may also be done on a

random basis for fraud prevention purposes.

13.1.11 If you use your credit card to withdraw cash from some cash machines you

may be charged. We will not be responsible if you cannot use your card in a

cash machine operated by another financial organisation, as this cash

machine is not serviced by us.

13.2 Use of the card

The card must be signed by the cardholder immediately on receipt and may only be

used:


by thatcardholder

by the cardholder solely as your agent.

subject to the terms of these Terms and Conditions

subject to condition 12 (overdraft services)

to obtain the facilities and benefits from time to time made available by us in

respect of the use of the card

during the validity period (if any) embossed on thecard.

13.3 Cardholder’s Account name and address

13.3.1 On the production of the card, the name of the cardholder nominated by

you to hold a card will be embossed on the face of the card. As the card

name may be longer than the number of characters which can be embossed

on the face of the card, we reserve the right to abbreviate the name which is

embossed on the card.

13.3.1 You will immediately notify us in writing of any change of name or address

of the cardholder. You undertake that the cardholder will notify us. In the

event of failure to notify, we may charge to your Account, the cost of

tracing you and/or the cardholder.

13.4 Card Payment

You irrevocably authorise us to debit to the Account each Working Day (in

priority to all drawings or debits) whether by electronic transfer or otherwise:

13.4.1 the amount of any card transaction notified to us;

13.4.1 the amount of any payments authorised by us for a prospective card

transaction (whether or not such payments are made);

13.4.2 where the Account has been debited by the amount of the payment so

authorised, such debit will be cancelled only if we receive notification

satisfactory to the fact that the transaction to which the authorisation relates

has not taken place or has been cancelled (in which event the authorisation

shall also cease to have effect);

13.4.3 If you use your card for a cash withdrawal or to make a payment in a

currency other than Sterling, we will convert the amount withdrawn, or paid,


into Sterling on the day it is processed by the international payment

organisation (for example, Visa) whose name or marks appear on the card;

13.4.4 The exchange rate we use is the rate set by the international payment

organisation. A charge of 1% is made by international payment

organisation; additional charge of 2% of the transaction value is added by

us. You can find out the current exchange rate used by calling us on 0207

448 1555;

13.4.5 However, if you use your card to withdraw Euro from a cash machine in the

UK, you will be dealing with the bank operating the machine (rather than

us) for the conversion into Euro. That bank will set the exchange rate and

may charge you for the conversion;

13.4.6 We cannot cancel a payment made using a card once you have given your

consent to make the payment to a retailer. You will need to contact the

retailer separately. This includes payments made on a regular basis from

your card Account, such as magazine subscriptions. You will also need to

tell the retailer if your Account is closed or your card number changes

otherwise they may not be able to collect your payments;

13.4.7 If a retailer agrees to give a refund for a purchase made using a card

payment, we will make the refund when we receive details of it from the

retailer.

Termination of card use/Withdrawal against card

13.4.8 You will not be able to give a payment instruction using a card if we have

stopped, or suspended, your ability to use them. We can do this if we

reasonably consider it necessary for reasons relating to:

the security of a card; or

suspected unauthorised or fraudulent use of a card or your security

details; or

a significantly increased risk that you may be unable to pay any

money you owe us on the relevant Account. Unless the law prevents

us from doing so or we believe it would undermine our security

measures, we will try to contact you by telephone or in writing in

advance to tell you that we have done this and our reason for doing

so. If we are unable to tell you in advance, we will tell you as soon as

possible afterwards. As cards belong to us, we (or a person acting for

us, for example a retailer), may take or retain a card on our behalf if

we stop or suspend your right to use it. If we stop or suspend a card


you must then stop using the card and the card number.

13.4.9 We may refuse to carry out a payment instruction if:

you do not have available funds to make the payment or you have

exceeded a limit we have applied to your Account or card (such as

the daily limit for withdrawals from cash machines);

the payment instruction is not clear or you have not provided us with

the correct details;

there is a legal requirement or a court or other authority that tells us to

act in that way;

the payment seems unusual compared with the way you normally use

your Account;

we reasonably believe you or someone else has used or is using or

obtaining, or may use or obtain a service or money illegally or

fraudulently;

we reasonably believe that someone else may have rights over money

in your Account (in this case we can also ask (or require you to ask)

a court what to do, or do anything else we reasonably need to do to

protect us); or

any other reason set out separately in these Terms and Conditions

applies.

13.4.10 If we prevent you from using your Account or card or refuse to make a

payment under this condition, we will act in a manner we think is

reasonably appropriate for the circumstances and try to reduce the

inconvenience to you.

13.4.11 Unless the law prevents us from doing so, we will try to contact you to tell

you that we are refusing to act on your payment instruction. We will do this

at the earliest opportunity but in any case by the time the payment should

have reached the bank you asked us to make the payment to. If you are

using a card to make a payment, the retailer will tell you that the payment

has been refused.

13.4.12 Where we exercise our right under this condition 13 your obligations under

these Terms and Conditions shall continue in force.

13.4.13 The card remains our property at all times. On request any card issued for

use on the Account must be returned immediately to us or to any other

person acting for us.


13.5 Liability and the Card

We may issue a card for use by an individual nominated by you as a cardholder. You

will be responsible for all transactions arising from use of the card, and direct losses

incurred by us in connection with use of the card by the cardholder (including any

use in breach of these Terms and Conditions which we shall be under no

responsibility to prevent) which amounts may be debited to the Account. We will

cancel any card at any time upon your request in writing and the return of such card

to us or upon the surrender of such card to us by the cardholder.

13.5.1 Security of the Card

13.5.2 You must take all reasonable precautions to prevent misuse of your

Account, any cards and your customer security details (this includes PINs,

Account and card details, and other security details which can include 3D

password required online transactions,,security codes, passwords or secure

personal information which allow you to access your Account, including

internet and telephone banking). Failure to take reasonable precautions may

result in circumstances compelling us to block access to your Account, or

additional services for example telephone or internet banking.

Reasonable precautions may include, but are not limited to:

signing a card as soon as you receive it;

keeping your card apart from your cheques and PIN;

keeping your card, cheques books safe and not allowing anyone else to

use your card, PIN or other security details;

not disclosing your cards or security details except when using your

card or making payments or registering or resetting your security

details to use internet or telephone banking;

destroying the PIN advice or deleting the same from your mailbox

immediately;

never disclosing or writing down your PIN or security details in any

way that can be understood by someone else, including a joint

Account holder;

not choosing a PIN or security details which may be easy to guess;

ensuring that no-one hears or sees you when you are using your

security details or PIN;


keeping receipts and statements safe and destroying them safely for

example byshredding;

complying with all reasonable instructions we issue regarding keeping

your card, cheques, PIN and security details safe; and

not allowing family or friends to use your card orPIN.

13.5.3 If your cards, cheques, PIN, or security details are lost or stolen or you

think someone knows them or has used or tried to use them please tell us

immediately by telephoning us on 0207 448 1555 during Banking Hours

and on 01606 866822 after Banking Hours.

13.5.4 We will ask you to co-operate with us by providing information or other

assistance in connection with the loss or misuse of your card, cheques, PIN,

or security details. We may also give to the police, information about you or

your Account which we consider relevant to assist with any investigation of

criminal activity concerning your card/Account. In some instances we may

ask you to contact the police in connection with suspicious or criminal

activity on your Account/card.

13.5.5 If you find your card or cheques after having reported them lost or stolen or

you think someone has used or tried to use them you must not use them.

You must destroy them as appropriate, by cutting them into pieces (in the

case of a card by cutting through the magnetic strip) and/or returning them

in person to the branch where your Account is held.

13.5.6 Refund

13.5.7 Where you have used your card to make a payment, you can ask us to

refund the payment if the following conditions aresatisfied:

the payment was made to a retailer in the EEA;

the authorisation you gave did not specify the exact amount to be

paid;

the amount that has been requested was more than you could

reasonably have expected to pay based on the circumstances,


including your previous spending patterns; and

you request a refund within eight weeks of the date the payment was

made from your Account.

13.5.8 We may ask you to provide information which is reasonably necessary to

investigate whether or not you are entitled to the refund. In addition, you

may also find it helpful to contact the person you paid using the card.

Within 10 Working Days of receiving your request (or of receiving any

further information we have asked for), we will either refund the payment

or we will inform you of our reasons for refusing the refund. Where we are

still investigating the matter and do not have information require for us to

decide whether or not refund should be made, we will in accordance with

our Complaint Handling Procedure keep you inform of progress being

made, and give you our final response within 8 weeks from date of

receiving further information we have asked for,

13.5.9 If you query the payment more than eight weeks after it was taken from

your Account or the payment was made to a retailer outside the EEA, we

are not obliged to make a refund ourselves but we will tell you if we can

help or suggest other steps you could take.

14. Web Access Facility

14.1 Upon application, we may provide you or anyone authorised by you, web access

(Net Banking Facility) to your Account information thorough the internet. By

applying for the Internet services and accessing the same you acknowledge and

accept the following terms. These terms will be in addition to the terms and

conditions relating to any of your Account(s) with us.

14.2 You agree that you will not misuse or permit others to access Accounts using your

log in privileges. You shall also not access any other information stored in our

computers through anyother means.

14.3 We may advise from time to time of any additional software requirements however,

there will be no obligation on us to supply / support any / all prevalent market

software. Installing / upgrading such requirements is exclusively your responsibility.


14.4 We will take reasonable care to ensure the security and prevent un-authorised access

to our Website using available technology.

14.5 You will keep the user ID and password strictly confidential and must not reveal the

password to any third party. We will not be responsible for any loss to due to non-

compliance with this condition. You are advised to change the password

periodically and choose a password with minimum 6 characters length, with a

mixture of letters and numbers. In case you forget the password, we will, on receipt

of request, reset the password and advise you of the same after adequate verification.

14.6 Your query or service delivery is based on off-line day-end data of the specific date.

If you think there is a mistake on the balance in the Account you must bring it to the

attention of your branch manager in accordance with these Terms and Conditions.

14.7 Whilst we will do our best to ensure a smooth running of the internet banking

service, we will not be liable if the internet banking facility is not available in the

desired manner for reasons including: natural calamity, floods, browser

incompatibility, and failure in the telecommunication network / internet network or

for any other circumstances beyond our reasonable control; or if we have to carry out

necessary IT maintenance, or in the interests of security.

14.8 You are liable and will have to cover the cost of our direct losses suffered by us,

our customers or third party or any claim or action brought by a third party to the

extent the result of the improper use of our internet banking by you.

14.9 We may vary, add and /or modify or delete the services offered to you by giving as

much notice as possible. Where the changes we make are to your disadvantage, we

will give you 60 days personal advance notice.

14.10 Services are available as long as you maintain an Account with us and it will cease

as soon as the same is discontinued.


14.11 You may unsubscribe from these services or delete any existing Account, by

informing Sr. Manager- IT at 32 City Road London EC1Y2BD in writing or an e-

mail to [email protected]

15. Changes to these General Conditions and the Specific Terms and Conditions

We will not change a fixed rate on your Account or any other condition, if we have agreed

to fix it, for the time we have agreed to keep it fixed.

Otherwise, we can only make changes to these Terms and Conditions as set out below.

15.1 We may from time to time amend our Terms and Conditions for the following

reasons:

o if the change is favourable to you;

o to comply with our legalobligations;

o to reflect changes in general banking practice;

o to reflect regulatory changes;

o where required to do so, or to reflect a decision or recommendation as the

result of any ruling by a competent Court or any other law enforcing body;

o to reflect changes in costs associated with the relevant technology, the costs

we pay to others relating to the Account or services and/or our costs of

providing the Account, serviceor facilities.

15.2 We will tell you about any other changes to these Terms and Conditions and

when they come into effect by placing a notice with your statement, on our

Website or by email or by post.

15.3 If we decide to make any change to these Terms and Conditions we will give you

60 calendar days' notice of the change. If we make any changes to these Terms and

Conditions that does not disadvantage you, we may make them immediately and tell

you about them within 60 calendar days of having doneso.

15.4 If the changes are not to your advantage you may wish to close your Account

within 60 calendar days of the date of the notice of the changes. If you reject the

proposed changes, we may take this as a rejection of the contract with us and a notice

mailto:[email protected]


of termination. We will contact you to before we close your Account. If we do not

hear from you, we will consider that you have accepted the changes we have made to

the Terms and Conditions.

15.5 Changes without advance notice

Rates on Accounts linked with Our Base Rate or LIBOR (as per the agreed terms)

change automatically. Our Base Rate is displayed at our branches as well as on our

Website.

15.6 Subject to condition 15.1, we may vary the Account interest rate for any one or

more of the following reasons:

1. if there is a change in relevant law, regulation, code of practice or to reflect a

recommendation, requirement or decision of any applicable court, ombudsman,

regulator or similar body;

2. to reflect any change in the Base Rate;

3. to reflect changes or expected changes in the costs we pay to others and/or

changes in inflation, or the costs of the services or facilities we provide;

4. to reflect any change in interest rates charged by other UK competing banks or

financialinstitutions;

5. to reflect any changes in money market interest rates or the cost to us of money

we lend;

6. to reflect any reorganisation of our business by it being acquired by or by our

acquiring another bank or organisation (so that customers with similar products

can be treated in the sameway);

7. to reflect any event beyond our reasonable control.

16. Inactive Accounts

16.1 If there are no transactions in the Account (apart from those generated by us for

example charges and interest etc), for 24 months we may classify such Account as

“inactive Account” as a fraud prevention measure. Once the Account is classified as

inactive, we may only allow transactions in the Account after obtaining from you

fresh identification documents. Certain transactions, in such Accounts, may be

allowed by us, depending upon the circumstances, on a case-to-case basis at our

discretion.


16.2 In the meantime, we may write to you directly or may enlist the services of various

agencies to establish contact with you. Once classified as inoperative, half yearly

charges, as specified in our Schedule of Charges, may be applied for such

Accounts as additional efforts are required to be taken by us by way of selective

monitoring, follow-up with the customers, carrying embedded risk etc.

16.3 After a period of inactivity of further 13 years, the Account will be formally

classified as dormant. Once the Account is classified as dormant, we will only allow

transactions in the Account after carrying out detailed due diligence.

16.4 We may participate in future Governments “Reclaim Funds Scheme” under “The

Dormant Bank and Building Society Accounts Act” (the "Acts").

16.5 The Acts allow participating banks and building societies to cease their responsibility

to a dormant Account holder upon transfer of the balance of the Account to a

reclaim fund. After transfer, the Account holders will have the right of repayment

from a reclaim fund which will need to be authorised by the Financial Services

Authority. Account holders will be able to continue their usual relationship with

their bank or building society, which will act as an agent of a reclaimed fund.

17. General liability

17.1 If we break these Termsand Conditions:

17.1.1 we will not be liable for losses or costs caused by abnormal and

unforeseeable circumstances outside our reasonable control, which would

have been unavoidable despite all efforts to the contrary, for example delays

or failures caused by industrial action, problems with another system or

network, mechanical breakdown or data-processing failures;

17.1.2 we will not be liable for any business losses or costs you suffer (such as loss

of business profits or opportunities) or for any indirect losses that we could

not have reasonably foreseen.

17.2 You will not be liable for any payment instructions you did not give yourself, even if

they were given using your card or Security Details, unless we can prove either:

17.2.1 that you have acted fraudulently in which case you will be liable for all

payments from the Account that we have been unable to stop; or


17.2.2 that you have been very careless with your card or security details (for

example, if you do not tell us as soon as you think someone has discovered

your security details or is accessing your Account without your authority

or you broke your obligations in condition 13, in which case (depending on

the facts of the case and any legal requirements that apply) you may be

liable for payments from your Account but only until you have told us that

your card or SecurityDetails have been lost, stolen or could be misused.

17.3 If you are not liable for a payment, we will refund the amount of the payment and

any charges or interest you paid as a result of it, and pay you any interest we would

have paid you on that amount, and will not have any further liability to you.

17.4 Nothing in these Terms and Conditions limits our liability for acting fraudulently

or very carelessly or otherwise excludes or limits our liability to the extent we are

unable to exclude or limit it by law.

18. Our right to set-off

18.1 If any money you owe us is overdue for payment, we may use any money in any of

your Accounts with us to reduce or repay (by way of set-off or otherwise) what you

owe us.


18.2 We can use our set-off right, where you have Accounts which are only in your

name as well as joint Accounts you hold with another person (X) as shown below:

Money in you Account for:

Set-off against money owed by:

You only

You

You only

You and x

You and x

x

You and x

You

18.3 We will tell you at least seven days before doing this unless we reasonably think you

will move your money to stop us.

18.4 We can use money in your Accounts to pay what you owe us as described above

even if there is a court decision against you or you are fined (including interest

arising after the date of the final decision or fine), unless the court instructs us

otherwise, or we are otherwise prevented by law.

18.5 Occasionally we receive legal instructions or notices to hold a customer's money for

someone else or to pay it to someone else. If this happens to you, the money

available to the other person will be what is left after we add up amounts we owe you

on your affected Accounts and subtract amounts you owe us, including any

interest arising after the legal instruction or notice, unless we decide otherwise

acting reasonably or we are otherwise prevented by law.

19. Third parties

19.1 We do not recognise the interest or claim of any other person, apart from the

Account holder/s unless required to do so by law.

19.2 You may not transfer any obligations or rights, benefits or interests under this

agreement or in your Accounts (or income from them) or create any security over

money in your Accounts in favour of someone else unless we say you can in

writing.


19.3 If you become mentally incapable of managing your affairs, we may allow a person

appointed by the court to operate the Account.

20. Ending the Terms and Conditions or an Account or service

20.1 These Terms and Conditions will continue until you or we cancel or end them. If

you are paying any monthly or other regular fees for an Account or service, the

amount you pay will be limited to the period we provide that Account or service.

20.2 You may end these Terms and Conditions or an Account or other service under it,

at any time by writing to, or by visiting one of our branches and instructing one of

our cashiers. You will also be treated as ending these Terms and Conditions in

relation to an Account if you have not made a payment into the Account within three

month of opening it.

20.3 We may end these Terms and Conditions (terminating our relationship with you

or any Account or service underit):

20.3.1 by writing to you and giving you two months' notice; or otherwise

20.3.2 immediately if:

you are, or we reasonably consider you may be:

using or obtaining, or allowing someone else to use or obtain, a service

or money illegally;

acting fraudulently;

behaving improperly (for example, in a threatening or abusive

manner); or

20.3.3 we reasonably consider that by continuing the Terms and Conditions :

we may break a legal requirement or a court order or other authority;

or

we or may be exposed to action from any government or regulator; or

you have seriously or persistently broken these Terms and

Conditions in any other way.


20.4 We may close or suspend an Account or stop providing a service if:

20.4.1 You are not eligible (or no longer eligible) for an Account or service; or

20.4.2 you do not use it for 12 months. In this case, you can ask us to remove any

restrictions we have applied to the Account or service at any time but we

may need to check your identity before we do so (see condition 16 under

inactive Accounts).

20.5 If we end these Terms and Conditions or stop providing an Account or service, we

will act in a manner we think is reasonably appropriate for the circumstance and will

try to reduce the inconvenience to you.

20.6 When you or we end these Terms and Conditions, any benefit, service or Account

we provide under it will end and you must on our request:

20.6.1 repay any money you owe us, such as any overdrafts and the amount of any

cheques, card payments or other payment instructions you have made and

which have not yet been taken out of your Account;

20.6.2 pay any charges and interest that you owe us (if you cancel, these will be

the charges and interest applying to the period before the Terms and

Conditions are cancelled); and

20.6.3 return anything that belongs to us or that we have given you, such as cards

and unused cheques (cutting both up before sending them).

20.7 If you or we end a service (but not the whole Terms and Conditions), you must

take these steps as they apply to that service you are ending alone.

20.8 When your Account is closed, you are responsible for cancelling any direct

payments (such as direct debits, standing orders and regular card payments) into or

out of your Account. If someone sends a payment to your closed Account, we will

take reasonable steps to return the payment to the sender.

20.9 If these Terms and Conditions (or a service under it) ends, it will not affect any

legal rights or obligations which may already have arisen or any instructions already

given.


20.10 When these Terms and Conditions end (or your Account is closed) we will pay or

transfer money we hold for you or owe you under this agreement (or in the Account)

to you, or to any other person you name in writing. However, we may keep enough

money to cover any liabilities owed to us, such as anything you owe us under

condition 18 or, if you have broken these Terms and Conditions, any direct loss of

ours as a result.

20.11 After these Terms and Conditions end, we will keep our rights to use money

between Accounts under condition 18 (set off) and any rights we have under general

law; and condition 18 will continue to apply.

21. Death

In the event of death of a sole Account holder, we will to pay the amount of the deposit and

any interest that has accrued without notice or loss of interest. We do this when we receive

the necessary legal documents to confirm the death and to confirm the authority of

deceased’s legal representative. Copies of death certificate, probate and those of

identification documents of the probate holder will normally meet these requirements.

If the Account is in the joint names, it will continue in the name(s) of the survivor(s) in

accordance with condition 3.5.

22. Transferring rights or obligations under these Terms and Conditions

We may transfer our rights and/or responsibilities under these Terms and Conditions to

any person if that other person is authorised to accept deposits and writes to you and

undertakes to carry out all our duties and obligations under this contract. If it does so, you

agree that we will be released from all those duties and obligations. You may not transfer

any of your rights or responsibilities under these Terms and Conditions to any person. If

we transfer our responsibilities we will only do so to someone we reasonably believe is

capable of performing them.


23. Confidentiality

We will treat all your personal information as private and confidential (even when you are

no longer a customer). Information we hold about you will not be disclosed to anyone

(including other companies in our group) unless:

we are legally required to disclose;

we have a public duty to disclose;

our interests mean we must give the information (for example, to prevent fraud).

However, we will not use this as a reason for giving information about you or your

Account (including your name and address) to anyone else, including other

companies in our group for marketing purposes without your consent;

the disclosure is made with your consent;

this is as set out in condition 24 below;

this is as set out in our Privacy Policy.

24. Data Protection

Bank of Baroda is a data controller registered with the Information Commissioner under

number Z4631489.

In order to provide you with bank Accounts and other products and services we need to

collect, use, share and store personal information about you and your transactions (“Your

Information”). This section explains how we will use Your Information.

24.1 What Your Informationincludes

24.1.1 Your Information includes information which we:

24.1.2 obtain from you or third parties, such as employers, joint Account holders,

credit reference agencies, fraud prevention agencies or other organisations

when you apply for an Account with us or for any of our other products or

services, or which you or they give to us at anyother time; or

24.1.3 learn from the way in which your Accounts with us are administered and

managed, from the transactions made such as the date, amount, currency and

the name and type of supplier (for example, supermarket services, medical

services, transactions in assets, retail services) and from the payments which

are made to and from your Accounts with us.


24.1.4 Where you provide personal and financial information about others (such as

dependents, other family members and a joint Account holder) you confirm

that you have their consent or are otherwise entitled to provide this

information to us and for it to be used in accordance with these Terms and

Conditions.

24.2 How We Use YourInformation

We and other companies in the Bank of Baroda group of companies will use Your

Information to manage your Accounts, give you statements and provide our

services and products, to make credit decisions about you (and anyone to whom you

are financially linked) for assessment and analysis (including credit and/or behaviour

scoring, market and product analysis), to prevent and detect fraud, money laundering

and other crime, to carry out regulatory checks, to meet our obligations to any

relevant regulatory authority, to develop and improve our services to you and other

customers, to recover debt and to protect our interests.

24.3 Use of Your Information for Marketing Purposes

With your permission we and other members of the Bank of Baroda group of

companies may use Your Information to inform you by letter, telephone, fax, text

messages, digital television, email and other electronic methods about products and

services (including those of others) which may be of interest to you. If you do not

want us to contact you about such products and services please let us know by

[writing to us at [our Group Control Office and London Main Office, 32 City

Road, London EC1Y 2BD /emailing us at [email protected].]

24.4 Third Parties with whom we may share Your Information

24.4.1 We may share Your Information with the following third parties, wherever

located:

other companies within the Bank of Baroda group of companies

(which means our subsidiaries;

our partners and companies and organisations that provide services to

us or assist us or act as our agents including but not limited to sub-

contractors and professional advisors;

anyone to whom we may transfer our rights and/or obligations under

any agreement we have with you;



any third party as a result of any restructure, sale or acquisition of any

company within the Bank of Baroda group of companies;

your advisers (including but not limited to accountants, lawyers or

other professional advisors) where authorised by you;

credit reference agencies and fraud prevention agencies;

where we have a duty to do so, or if law or regulation allows us to do so.

24.4.2 Save as set out above we will not disclose Your Information to anyone

unless the disclosure is made with your consent.

24.5 Transfer of Your Information Overseas

We may transfer Your Information to another company in the Bank of Baroda

group of companies or to a service provider or agent in another country (including

countries outside the EEA) for the purposes stated in condition 24.4 above. We will

make sure that the group company, service provider or agent agrees to apply the

same levels of protection as we are required to apply to Your Information and to

use Your Information in accordance with our instructions.

24.6 Credit Reference Agencies and Fraud Prevent Agencies

24.6.1 We may give Your Information to and receive information from credit

reference agencies and fraud prevention agencies. We and other

organisations may access and use this information to prevent and detect

fraud, money laundering and other crimes, to make credit assessments and

decisions about credit related services to enable us to manage and take

decisions about your Accounts, insurance policies and insurance claims and

to recover debt.

24.6.2 Information held about you by the credit reference agencies may already be

linked to records relating to your partner or members of your household

where a financial “association” has been created. Any enquiry we make at a

credit reference agency may be assessed with reference to any associated

records. Another person’s record will be associated with yours when:

you make ajoint application;

you advise us of a financial association with another person; or

if the credit reference agencies have existing linked or “associate”

records.


24.6.3 This “association” will be taken into account in all future applications by

either or both of you and shall continue until one of you applies to the credit

reference agencies and is successful in filing a “disassociation”.

24.6.4 Credit reference agencies keep a record of our enquiries and may record,

use and give out information we give them to other financial institutions,

insurers and other organisations. If false or inaccurate information is

provided or fraud is suspected details may be passed to fraud prevention and

credit reference agencies. Law enforcement agencies may access and use

this information. The information recorded by fraud prevention agencies

may be accessed and used by organisations in a number of countries

including the UK. We can provide the names and addresses of the credit

reference and fraud prevention agencies we use if you would like a copy of

Your Information held by them. Please contact us at [our Group Control

Office and London Main Office, 32 City Road, London EC1Y 2BD] if you

want to receive details.

24.7 Right to receive a copy of Your Information

You can ask for a copy of Your Information by writing to us at Group Control

Office and London Main Office, 32 City Road, London EC1Y 2BD or emailing us at

[email protected]. We may charge an administration fee to meet our costs

in providing you with details of Your Information. Details of this charge areset out

in our Schedule of Charges.

24.8 Where to find furtherinformation

Please visit our Website to see our Privacy Policy which provides further

information about how we use Your Information.

25. Not enforcing these Terms and Conditions

We may not always strictly enforce our rights these Terms and Conditions, for example we

may allow you more time to pay what you owe. If we do this, it will be just a temporary

measure and we may enforce our rights strictly again.

26. Law applying to these Terms and Conditions

These Terms and Conditions are governed by the laws of England and Wales and we will

communicate with you in English.



27. Complaints

27.1 If you have a complaint please write in the first instance to the branch where you

maintain your Account. We have procedures designed to resolve your complaint

effectively. We can give you a leaflet describing these procedures if you ask for it at

any time, from any of our branches. These can also be accessed from our Website.

27.2 We are a member of Financial Ombudsman Services (FOS). If you make a

complaint and are not satisfied with the final response we give under our internal

complaint procedure, you can ask the complaint to be resolved by the Ombudsman.

You can contact FOS by writing to the following address;

Financial OmbudsmanServices

South Quay Plaza

183 Marsh Wall

London E14 9SR

(Tel 0845 080 1800)

28. Details about us and our Regulator

Bank of Baroda is established in the UK with company number BR002014 at 32 City Road,

London EC1Y 2BD. This is our UK head office. We are authorised by the Prudential

Regulation Authority and regulated by the Financial Conduct Authority and the Prudential

Regulation Authority. Our authorization number is 204624 which can be checked on the

Financial Services Register at www.fca.org.uk. Bank of Baroda is a member of the

Financial Services Compensation Scheme and the Financial Ombudsman Service

28.1 You can write to us at Bank of Baroda, 32 City Road, London EC1Y 2BD . Tel 0207

457 1515. Email [email protected]

28.2 To find out about current interest rates or exchange rates please call 0207 457 1515

or contact any of our branches. Contact details of our branches are listed at the back

of this booklet. You can also get these from the Contact Us section of our Website.

http://www.fca.org.uk/



Important information about compensation arrangements

We are covered by the Financial Services Compensation provided by the FSCS. The FSCS can

pay compensation to depositors if a bank is unable to meet its financial obligations. Most

depositors - including most individuals and small businesses - are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts

each account holder is treated as having a claim in respect of their share so, for a joint account held

by two eligible depositors, the maximum amount that could be claimed would be £85,000 each

(making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible

depositor’s accounts with the bank, including their share of any joint account, and not to each

separate account.

For further information about the compensation provided by the FSCS (including the amounts

covered and eligibility to claim) please call us on 0500 40 50 60 refer to the FSCS website

(http://www.fscs.org.uk/) or call 020 7741 4100 or 0800 678 1100. Please note only compensation-

related queries should be directed to the FSCS.

Protecting your money - A guide to how the FSCS protects your money

The Financial Services Compensation Scheme has produced this leaflet which provides more

information on how the FSCS protectsyour money.

http://www.fscs.org.uk/)


Branches

London Main Office

32 City Road, London EC1Y 2BD

+44(0)20 7457 1515

[email protected]

Aldgate Branch

128 Commercial Road, Aldgate East, London E1 1NL

+44(0)20 7480 7577

[email protected]

Southall Branch

86 The Broadway, Southall, Middlesex UB1 1QD

+44(0)20 8574 1324

[email protected]

Wembley Branch

2 Ealing Road, Wembley, Middlesex HAO 4TL

+44(0)20 89027407

[email protected]

Kenton Branch

213 Kenton Road, Harrow, Middlesex HA3 OHD

+44(0)20 8909 1739

[email protected]

Tooting Branch

39 Upper Tooting Road

Tooting

London SW17 7TR

+44 (0) 20 8767 6469

[email protected]








Birmingham Branch

173/175, Soho Road

Handsworth

Birmingham B21 9SU

+44 (0) 121 523 5973

[email protected]

Manchester Branch

50 Swan Street

Manchester M4 5JU

+44 (0) 161 832 5588

[email protected]

Leicester Branch

59A Belgrave Road

Leicester

LE4 6AS

+44 (0) 116 266 3970

[email protected]

Ilford Branch

Ilford

171 Ilford Lane,

Ilford,

Essex, IGI 2RT

Gen. : +44 (0) 20 8514 8609

Fax : +44 (0) 20 85531333

[email protected]





Bank of Baroda UK Operations · 1 Version 1: March 2014 Bank of Baroda UK Operations General Terms...

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